Last update: Oct 2026

Cost of Living Comparison Between Chingola and Ubud, Bali

For one person, living is cheaper in Chingola: $428 a month against $1,353 in Ubud, Bali, rent and utilities included – about $11,100 less a year. Rent and utilities account for most of the difference.

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Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index

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Chingola

🇿🇲 Zambia

$428

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

How much you'll spend in Chingola and in Ubud, Bali

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Chingola and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $428 in Chingola versus $1,353 in Ubud, Bali.

Chingola $428
Ubud, Bali $1,353

Estimated couple costs with rent: $731 in Chingola versus $2,297 in Ubud, Bali.

Chingola $731
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $1,033 in Chingola versus $3,241 in Ubud, Bali.

Chingola $1,033
Ubud, Bali $3,241

Living in Chingola costs roughly 68% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Chingola is 68% below, Ubud, Bali is 0% above.

Meal at Budget Restaurant

$15.26 ZMW 304

$3.23 Rp 58.1K

372.45%

Three-Course Dinner for Two, Mid-Range

$25.50 ZMW 507

$34.88 Rp 627.8K

-26.89%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

Cappuccino

$2.62 Rp 47.1K

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$0.52 ZMW 10.33

$1.72 Rp 31.0K

-69.77%

Water (0.33 liter bottle)

$0.37 ZMW 7.29

$0.81 Rp 14.6K

-54.32%

Local Beer (0.5 liter draught)

$0.61 ZMW 12.20

$2.65 Rp 47.7K

-76.98%

Imported Beer (0.33 liter bottle)

$1.23 ZMW 24.41

$4.37 Rp 78.6K

-71.85%

Milk (1 liter)

$1.76 ZMW 35.04

$1.57 Rp 28.3K

12.10%

White Bread (500g)

$1.20 ZMW 23.79

$2.19 Rp 39.5K

-45.21%

Rice (white) (1kg)

$2.48 ZMW 49.29

$1.18 Rp 21.2K

110.17%

Eggs

$1.84 ZMW 36.67

$2.16 Rp 38.8K

-14.81%

Local Cheese (1kg)

$17.65 Rp 317.7K

Chicken Fillets (1kg)

$5.11 ZMW 102

$3.78 Rp 68.0K

35.19%

Beef Round Steak (1kg)

$4.53 ZMW 90.1

$11.95 Rp 215.1K

-62.09%

Apples (1kg)

$1.98 ZMW 39.48

$3.60 Rp 64.8K

-45.00%

Banana (1kg)

$1.98 ZMW 39.37

$1.59 Rp 28.6K

24.53%

Oranges (1kg)

$2.01 ZMW 40.05

$2.31 Rp 41.6K

-12.99%

Tomato (1kg)

$1.99 ZMW 39.49

$1.91 Rp 34.3K

4.19%

Potato (1kg)

$3.03 ZMW 60.2

$1.78 Rp 32.1K

70.22%

Onion (1kg)

$1.54 ZMW 30.68

$2.33 Rp 41.9K

-33.91%

Lettuce (1 head)

$1.00 Rp 18.0K

Water (1.5 liter bottle)

$0.88 ZMW 17.59

$0.53 Rp 9,509

66.04%

Cigarettes 20 Pack (Marlboro, Camel)

$1.54 ZMW 30.63

$2.29 Rp 41.1K

-32.75%

Wine (Bottle)

$4.96 ZMW 98.6

$22.07 Rp 397.3K

-77.53%

Local Beer (0.5 liter bottle)

$0.62 ZMW 12.34

$2.35 Rp 42.2K

-73.62%

Imported Beer (0.33 liter bottle)

$0.78 ZMW 15.60

$2.98 Rp 53.6K

-73.83%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

Taxi (Normal Tariff) (1km)

$0.58 ZMW 11.61

$0.43 Rp 7,737

34.88%

Taxi 1hour Waiting (Normal Tariff)

$10.17 ZMW 202

$5.47 Rp 98.4K

85.92%

Gasoline (1 liter)

$1.34 ZMW 26.68

$0.83 Rp 14.9K

61.45%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$23.9K Rp 429.8M

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$32.8K Rp 590.1M

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$49.29 ZMW 980

$80.0 Rp 1.4M

-38.38%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$6.56 Rp 118.1K

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

Gym Membership (Monthly)

$9.97 ZMW 198

$54.1 Rp 974.1K

-81.58%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$4.25 Rp 76.5K

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$493 Rp 8.9M

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

Jeans (Levis 501 Or Similar)

$20.29 ZMW 404

$45.58 Rp 820.4K

-55.48%

Summer Dress (H&M, Zara, etc)

$12.36 ZMW 246

$34.96 Rp 629.4K

-64.65%

Sport Shoes (Adidas, Nike)

$50.3 ZMW 1,001

$77.7 Rp 1.4M

-35.25%

Men's Leather Business Shoes

$75.9 ZMW 1,509

$78.5 Rp 1.4M

-3.39%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

Buy Apartment Outside City Center (m2)

$15.1K ZMW 300.9K

$2,241 Rp 40.3M

575.12%

Average Monthly Net Salary (After Tax)

$112 ZMW 2,223

$166 Rp 3.0M

-32.82%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Chingola: October 19, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Chingola

–

Ubud, Bali

$673 49.7%

Groceries & Markets

Chingola

–

Ubud, Bali

$287 21.2%

Clothing & Footwear

Chingola

–

Ubud, Bali

$107 7.9%

Eating Out

Chingola

–

Ubud, Bali

$106 7.9%

Monthly Utilities & Internet

Chingola

–

Ubud, Bali

$105 7.8%

Sport & Entertainment

Chingola

–

Ubud, Bali

$63 4.6%

Getting Around

Chingola

–

Ubud, Bali

$12 0.9%

Cost Breakdown

Ubud, Bali pays 49% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $26.00 in Chingola vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $163 vs $287 per month, with Chingola cheaper across the board.

Good to know

🇿🇲 Chingola

🇮🇩 Ubud, Bali

🕒 Local time

13:39 1:39 PM

19:39 7:39 PM

6 h ahead of Chingola

🌤 Weather

👥 Population

210,073

74,800

💱 Currency

Zambian Kwacha ZMW ZK

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 ZMW = 5.03 USD

100 ZMW = 4.47 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to ZMW – Zambian Kwacha Converter

🇺🇸 United States Dollar ($)

🇿🇲 Zambian Kwacha (ZK)

Zambian Kwacha exchange rates as of October 20, 2026: 1 USD = 19.89 ZMW (100 ZMW = 5.03 USD). 1 EUR = 22.36 ZMW (100 ZMW = 4.47 EUR).

Indonesian Rupiah exchange rates as of October 20, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to ZMW in detail →

On the map

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Highest

Between locations

Chingola Ubud, Bali 9,520 km ≈ 12 h nonstop flight

From you

Chingola
Ubud, Bali

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Chingola vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Chingola is cheaper overall, especially in groceries, clothing, and leisure. The 216% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 49% lower in Ubud, Bali. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Supermarket bills run roughly 76% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Chingola – a meal for two runs $26.00 versus $35.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $428 in Chingola versus $1,353 in Ubud, Bali, a $1,500 budget is realistic in Chingola but tight or insufficient in Ubud, Bali. The gap between the two cities makes Chingola the clear choice for anyone on this budget.

For families, Chingola is more practical. Housing and childcare are both notably cheaper than in Ubud, Bali, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Chingola and Ubud, Bali are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Chingola gentler on the wallet – expenses run 216% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.